High-risk community

{
  "id": "MLC-T-INS-001725",
  "term": "High-risk community",
  "field": "Insurance and risk management",
  "definition": "A geographical area or demographic group identified by insurers as having a significantly elevated probability of experiencing certain types of losses or claims. This designation can lead to higher insurance premiums, more restrictive coverage terms, or even a refusal to insure. Factors contributing to this classification include high crime rates, natural disaster susceptibility, or poor health indicators.",
  "url": "https://mlchart.com/terminology/insurance/high-risk-community/"
}